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Factor in four years of college and maybe graduate school, or a parentally subsidized internship with the local theater company, and say hello to your million-dollar bundle of oh joy.As steep as the fertility decline has been, the marriage rate has fallen more sharply, particularly among young women, who do most of the nation’s childbearing.More than one-quarter of these unwed mothers are living with a partner who may or may not be their child’s biological father.The rise of the cohabiting couple is another striking feature of the evolving American family: From 1996 to 2012, the number jumped almost 170 percent, to 7.8 million from 2.9 million.In increasing numbers, blacks marry whites, atheists marry Baptists, men marry men and women women, Democrats marry Republicans and start talk shows.

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Cherlin, a professor of public policy at Johns Hopkins University.

One big reason is the soaring cost of ushering offspring to functional independence.